4 replies on this article “Need guideline for investment for 2000-3000 per month ?”

1. ashalanshu says:

   December 14, 2013 at 7:52 am

   Dear Suresh, which risk is bigger to you? The risk of devaluation in your money over the long term from Inflation if you invest in pure debt products or the intermediate volatility from Eq. investments where you may or may not get inflation beating returns over the long term.

   Thanks

   Ashal

   Reply
2. Sumit says:

   December 12, 2013 at 1:30 pm

   Hi Suresh,

   If you want to save regularly each month for long term (at least 8-10 years) then equity mutual funds are the best option to choose. Top runner large caps produced more than 15% annualized return in last 10 years. Market may not be same in next 10 years, but a decent 12% return can be expected – which beats any fixed income product in a large margin.
   But as you seems to be a beginner and mentioned about ‘minimum risk’, I would suggest you can look for Balanced funds (that invests in both the equity and debt around 60:40 ratio and hence suits perfectly for conservative investors who wants the moderate growth with stability).

   But before that couple of Qs – do you have any investment yet? Did you have a PPF account , or any other fixed income product investment?
   You need to know what should be your asset allocation (asset mix of equity, fixed income or gold in your portfolio), know more about here:
   http://www.behealthyinvestor.com/asset-allocation

   Thanks
   Sumit

   Reply
3. Suresh Kumar says:

   December 12, 2013 at 10:01 am

   Sir,

   My time frame 10-12 years and goal is save more money for future on minimum risk.

   Regards
   Suresh ( 9354180760 )

   Reply
4. ashalanshu says:

   December 11, 2013 at 11:16 pm

   Dear Suresh, what is your goal? Your time frame? Your risk appetite?

   Thanks

   Ashal

   Reply

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